Farmers and Merchants Bank of Mound City, Kansas: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers and Merchants Bank of Mound City, Kansas of Mound City, KS against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.26% | 3.13% | -1.87% | 61st above |
| ROAE | 21.26% | 10.28% | +10.98% | 92nd top |
| Net Interest Margin | 3.45% | 3.94% | -0.49% | 29th below |
| Efficiency Ratio | 64.02% | 76.34% | -12.32% | 63rd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.26% | 1.40% | -0.14% | 52nd above |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.27% | 5.35% | -0.08% | 52nd above |
| Cost of Funds | 1.93% | 1.70% | +0.23% | 32nd below |
| Net Interest Spread | 2.63% | 3.32% | -0.69% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.90% | 1.34% | -0.44% | 33rd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.51% | 0.71% | -0.20% | 31st below |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 1.17% | 1.49% | -0.32% | 43rd below |
| ACL / NPLs (Coverage) | 130.00% | 867.13% | -737.13% | 46th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 8.17% | 8.26% | -0.09% | 24th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.63% | 62.35% | -48.72% | 13th bottom |
| Tier 1 Ratio | 13.63% | 62.36% | -48.73% | 13th bottom |
| Total Capital Ratio | 14.88% | 63.32% | -48.44% | 14th bottom |
| Leverage Ratio | 6.06% | 17.66% | -11.60% | 2nd bottom |
| Equity / Assets | 6.23% | 16.47% | -10.24% | 4th bottom |
| TCE / Tangible Assets | 6.23% | 16.21% | -9.98% | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 61.15% | 72.86% | -11.71% | 60th above |
| Core Deposit Ratio | 72.67% | 88.30% | -15.63% | 5th bottom |
| Wholesale Funding Ratio | 1.13% | 5.20% | -4.07% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.81% | 4.26% | +1.55% | 68th above |
| Loan Growth (Y/Y) | -4.73% | 6.77% | -11.50% | 20th bottom |
| Deposit Growth (Y/Y) | 6.16% | 3.72% | +2.44% | 71st above |
See Farmers and Merchants Bank of Mound City, Kansas's peers by name
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Unlock Farmers and Merchants Bank of Mound City, Kansas, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers and Merchants Bank of Mound City, Kansas profile, how to read a UBPR, or how this data updates.